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TCB Rates

Deposit Rates

Rates current as of April 2, 2018.
Reward Checking
  APY
< $25,000 0.75%
>$25,000 0.20%
*If the requirements for Reward Checking are not met, the annual percentage yield is 0.02%.


Reward Checking Plus
  APY
< $25,000 1.21%
>$25,000 0.20%
*If the requirements for Reward Plus are not met, the annual percentage yield is 0.02%.


Money Market Savings
  APY
< $2,500 0.05%
$2,500 - $24,999 0.25%
$25,000 - $99,999 0.50%
$100,000 - $249,999 0.75%
>$250,000 0.85%


BizReward Money Fund
  APY
< $2,500 0.00%
$2,500 - $24,999 0.20%
$25,000 - $99,999 0.25%
$100,000 - $249,999 0.40%
>$250,000 0.50%


IRA Savings
  APY
< $2,500 0.10%
$2,500 - $24,999 0.25%
$25,000 - $99,999 0.30%
$100,000 - $249,999 0.50%
>$250,000 0.55%


Savings Account
  APY
  0.10%


Now Checking
  APY
< $1,500 0.00%
> $1,500 0.10%

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Certificate of Deposit Rates

The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. An early withdrawal penalty will be imposed for withdrawals before maturity.

Rates current as of April 2, 2018


Certificates of Deposit (>$1,000)
APY
  APY
3 Months 0.60%
6 Months 0.75%
9 Months 0.85%
12 Months 1.21%
18 Months 1.51%
24 Months 2.02%
36 Months 2.27%

 

Special Term Certificates of Deposit (>$1,000)
  APY
7 Months 1.71%
13 Months 2.02%

 

Special Certificate of Deposit-Variable Rate*(>$1,000)
  APY
19 Months 1.57%*
* This CD adjusts to the effective federal funds rate as published by the Federal Reserve Bank of New York plus 0.15%. The resets are on the first Friday of Feb., May, Aug., and Nov. based on the rate published the previous Monday.

 

"One Bump" Certificates of Deposit* (>$10,000)
APY
  APY
30 Months 1.26%
48 Months 1.56%
*"One Bump" Certificates of Deposits are not currently being offered.

 

Reward Certificates of Deposit* (>$1,000)
  APY
3 Months 0.70%
6 Months 0.85%
9 Months 0.95%
12 Months 1.31%
18 Months 1.61%
24 Months 2.12%
36 Months 2.37%
* Must have, or open and maintain a Direct Deposit to a Texas Citizens Bank Personal Reward Account.


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